Finding the right mortgage can be a complicated and confusing process. If you could fill out an application on one page and get the best loan for you the same day, you wouldn't be on our website. We walk you through the process step by step so you can focus on what's most important, like getting ready to move into your new home, saving money, or getting ready for your house equity check.
The loan process has four steps. You'll see that we've made your part in them as easy as possible, and we take care of all the details! That's what we have to do for you.
Step 1: Find out how much you can borrow.
This is because of a few different things. What kind of payment can you make every month? Also, how much will a lender give you based on your employment and credit history? The calculators on our site can give you a rough idea of the first part. We'll ask you a few questions to make sure that you've thought of everything. We'll give you a good idea of what kind of terms and loan programme you're most likely to benefit from based on what most lenders do.
Step two: getting ready to qualify
This is the most important step and the one where you might save the most money. You will enter information on past employment, assets, debt, etc. Then we'll find out what your credit score is. Once we have all of your information and have looked it over, we will send you a Pre-Qualification Sheet. It's like a suitcase full of cash to a home seller, so be careful with it. Your real estate agent will use this pre-qual document to make the best offer on the home you choose, and the seller will know you're pre-qualified. It gives you more buying power. So, while you spend your time looking for the right home, we work out the details of the loan that will work best for you.
Step 3: Apply right now! we make it easy
Once the seller of the house accepts your offer, we'll help you finish the loan application. Fill out a quick form right here on our website. It couldn't be easier. Also, if you fill out this online form, you can get a free evaluation of your new home.
Step 4: Your new mortgage in New Hampshire is paid.
When your NH loan is approved, your two agents will work together to choose an escrow/title company to handle the funding. We'll make sure everything is in order, and you'll sign everything at the office of the escrow/title company.
You've answered a few questions and given us some detailed information. You've also filled out an online application. We do Nh and Ma loans for a living, and you don't, so we do almost all of the work.
